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When market leaders approach or reach new all-time highs, investor attention rarely stays concentrated for long. Historically, once Bitcoin (BTC) and Ethereum (ETH) establish fresh ATH levels, capital begins rotating into emerging projects that have yet to reflect the next growth cycle. With anticipation building around their next major highs, analysts are increasingly focusing on early-stage protocols that show strong structural potential. It is within this expected post-ATH transition that Mutuum Finance (MUTM) is positioning itself for the next phase of crypto market momentum.

From Market Leaders to Early-Stage Opportunity

After Bitcoin (BTC) and Ethereum (ETH) reach their next all-time highs, investor focus typically shifts from consolidation to opportunity. As large-cap assets begin to stabilize following those peaks, capital often rotates into projects that offer clear utility, structured risk management, and stronger upside potential. Mutuum Finance (MUTM) aligns with this pattern as it advances through its Phase 7 presale — a stage that generally attracts investors targeting asymmetric returns rather than incremental gains.

Currently priced at $0.04, MUTM has already risen 300% from its $0.01 starting valuation. With a total supply capped at 4 billion tokens and 45.5% (1.82 billion) allocated to presale, its tokenomics are designed to support long-term scarcity. So far, the project has raised about $20.60 million and drawn roughly 19,000 holders, highlighting strong early participation ahead of public market exposure.

Analysts are increasingly looking toward DeFi projects as the upside in Bitcoin (BTC) and Ethereum (ETH) becomes more limited. With 10x–15x returns now unlikely from the market’s top two assets, investors are turning to emerging protocols with strong fundamentals and real use cases. In this context, early-stage projects like Mutuum Finance (MUTM) present a more compelling path to higher potential returns.

Live V1 Protocol and Security Stature

Mutuum Finance (MUTM)’s development progress further reinforces its long-term positioning. The V1 protocol is already live on Ethereum (ETH)’s Sepolia testnet, a public testing environment that allows users to interact with real smart contracts without mainnet risk or using the real assets. 

Core features currently available include liquidity pools, mtTokens that represent a lender’s yield-bearing share of a pool, on-chain debt tokens for borrowers, and an automated liquidator bot designed to maintain solvency across the system. Supported testnet assets include ETH, USDT, WBTC, and LINK, offering a realistic preview of how the protocol will function at scale.

Launching on testnet serves a strategic purpose. By lowering the barrier to entry, Mutuum allows users to familiarize themselves with its mechanics before mainnet deployment. This gradual exposure is expected to build trust, encourage adoption, and create organic demand for the MUTM token as the ecosystem expands. 

Security, often a deciding factor after volatile market cycles, has also been addressed. Mutuum Finance (MUTM)’s smart contracts underwent a formal audit by Halborn. The assessment identified six issues, including one high-severity finding, all of which were fully resolved before completion. 

Halborn confirmed that 100% of reported findings were remediated, adding technical credibility as the project advances toward full deployment.

Positioning Ahead of the Next Market Rotation

When Bitcoin (BTC) and Ethereum (ETH) approach or reach their next all-time highs, market confidence typically strengthens — but history also shows that this is when capital begins rotating toward assets that have yet to experience their main expansion phase. This transition period often brings increased attention to emerging projects preparing for broader market participation. Mutuum Finance (MUTM), currently in Phase 7 of its presale, sits within that strategic window.

Supported by structured tokenomics, an active testnet rollout, and a completed security audit, the project continues building ahead of wider market momentum. As focus gradually shifts beyond established large-cap leaders, Mutuum Finance (MUTM) stands to gain visibility among investors seeking earlier-stage positioning.

Importantly, MUTM remains available at a discounted presale price of $0.04, compared to its planned launch price of $0.06, offering early participants a pricing advantage before broader market entry. For those evaluating what typically develops around major ATH milestones, MUTM is shaping up as a calculated contender for the next phase of crypto market growth — while early access conditions are still in place.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Analyst Reveals What Comes After Bitcoin (BTC) and Ethereum (ETH)’s Next ATH appeared first on CoinoMedia.

In the volatile market of early 2026, a significant shift is occurring as the primary capital flows of the ecosystem begin to rearrange. While the titans of the previous decade have long dominated the conversation, the current climate is witnessing a rare decoupling between established networks and high-utility newcomers. 

As the traditional leaders face structural hurdles and technical fatigue, a new decentralized protocol is quietly capturing the momentum. This transition suggests that the coming months will be defined by a rotation into smart, low-cost assets that offer immediate functional value rather than those relying on past reputation.

Ethereum (ETH)

Ethereum (ETH) is currently navigating a difficult technical period, with its price fading below the psychologically critical $2,000 level. Trading at approximately $1,980, the network is facing heavy selling pressure as institutional support wavers in the face of broader macro headwinds. 

With a massive market capitalization of roughly $240 billion, Ethereum requires an incredible amount of new capital just to see modest percentage gains. For many investors, this high barrier to entry limits the upside potential, leading them to search for cheaper alternatives that can offer a much higher return on investment.

From a technical standpoint, Ethereum is trapped in a series of dense resistance zones that are preventing a sustained recovery. The first major wall sits at $2,120, where previous rebound attempts have repeatedly failed. Beyond that, a secondary resistance band at $2,580 represents the average cost for many long-term holders who are now looking for an exit. 

Because the network’s growth is often tied to expensive Layer-1 transaction costs, it remains less accessible for smaller participants. This combination of a capped upside and high fees is forcing a massive rotation of liquidity toward professional-grade protocols that are built for the next generation of DeFi.

Mutuum Finance (MUTM)

As Ethereum fades, Mutuum Finance (MUTM) is emerging as a top choice for those seeking high-performance financial tools. The protocol is designed to maximize capital efficiency through its innovative Peer-to-Contract (P2C) model. 

In this system, users deposit assets like USDT or ETH into shared liquidity pools and receive mtTokens in return. These mtTokens act as interest-bearing receipts that grow in value automatically as the protocol collects fees. For example, a user providing $10,000 in liquidity might earn a variable APY of 12%, allowing their holdings to increase without the need for manual management or complex staking procedures.

For those looking to access liquidity without selling their assets, the Peer-to-Peer (P2P) market offers a flexible alternative. This model allows for direct agreements between users, where they can choose between fixed or variable borrow rates based on their specific needs. To keep the system safe, Mutuum utilizes a strict Loan-to-Value (LTV) ratio. 

If you provide $1,000 worth of collateral with a 70% LTV, you can borrow up to $700 in other assets. If the value of the collateral drops too far, an automated liquidator bot steps in to close the position and protect the pool. 

Presale Momentum and Verified Security

The excitement surrounding Mutuum Finance is backed by incredible numbers in its ongoing presale. The project has already raised over $20.6 million and attracted more than 19,000 individual holders. Currently in Phase 7, the MUTM token is priced at $0.04, which is a significant discount compared to the confirmed launch price of $0.06. 

This phase is selling out quickly, as it represents one of the last opportunities to secure the token before it moves to higher price tiers. To keep the community engaged, the project features a 24-hour leaderboard that tracks daily contributions and rewards the most active participants with additional bonuses.

Security is the foundation of the Mutuum Finance ecosystem. Before launching its V1 protocol, the team completed a thorough manual audit with Halborn Security and secured a high trust rating from CertiK. These audits verify that the smart contracts are resilient against potential threats and that the math behind the LTV and liquidation systems is flawless. .

V1 Protocol Execution 

The technical roadmap for Mutuum Finance is moving from concept to reality with the activation of its V1 protocol on the Sepolia testnet. This is a live environment where users can test the core lending functions, interact with the mtToken system, and see the automated bots in action. 

This test phase is essential for refining the user experience before the mainnet launch later this year. By showing a working product during the presale, the team is proving that they can execute their vision with precision.

Looking ahead, the protocol has ambitious plans to expand its utility through a native, over-collateralized stablecoin. This stablecoin will allow users to mint a secure, $1-pegged asset by locking up their collateral, providing even more ways to access liquidity. 

As Phase 7 quickly nears its end, the focus is shifting toward scaling the protocol across multiple networks to lower transaction costs. Analysts believe that by combining the security of Ethereum with the speed of modern DeFi tools, Mutuum Finance is following the same growth trajectory as early success stories like Solana. With real utility and a massive community, it is positioning itself as the breakout star of the 2026 market.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Ethereum (ETH) Fades Below $2K While This New Altcoin Under $1 Gains 3x Momentum appeared first on CoinoMedia.

White House stablecoin talks focused on draft legislation and enforcement powers.

Yield on idle balances appears off the table under current proposals.

Regulators may impose $500,000 daily penalties for violations.

Closed-Door Meeting Signals Policy Shift

The latest White House stablecoin talks took a serious turn this week as administration officials met with top crypto industry leaders to review draft legislative language. Unlike previous discussions, the meeting was smaller and led directly by administration representatives, signaling a more focused and advanced stage of policymaking.

Among those present were executives and policy representatives from Coinbase, Ripple, Andreessen Horowitz (a16z), The Blockchain Association, and Crypto Council for Innovation.

Notably, no individual banks attended. Instead, traditional finance was represented collectively through the American Bankers Association (ABA), Bank Policy Institute (BPI), and Independent Community Bankers of America (ICBA).

The structured setting and draft-driven discussion suggest that formal legislation may be closer than many expected.

Yield Ban and Enforcement Debate

A major point in the White House stablecoin talks was the issue of yield. According to reports, yield on idle balances is effectively off the table under the current draft. This means stablecoin issuers would not be allowed to offer passive returns simply for holding tokens.

Instead, regulators are debating whether activity-linked rewards — such as incentives tied to usage or transactions — could still be permitted.

Draft language reportedly gives enforcement authority to the U.S. Securities and Exchange Commission (SEC), the U.S. Department of the Treasury (Treasury), and the Commodity Futures Trading Commission (CFTC).

Under the proposal, violations of a yield ban could trigger penalties of up to $500,000 per day. Such strict enforcement would send a clear message that compliance is non-negotiable.

WHITE HOUSE STABLECOIN TALKS INTENSIFY.

TODAY’S MEETING WAS SMALLER AND ADMINISTRATION LED, WITH DRAFT TEXT DRIVING THE DISCUSSION.

IN THE ROOM: COINBASE, RIPPLE, A16Z, THE BLOCKCHAIN ASSOCIATION, AND THE CRYPTO COUNCIL.

NO INDIVIDUAL BANKS ATTENDED. BANKS WERE… pic.twitter.com/V4DRQqfvLP

— MSB Intel (@MSBIntel) February 20, 2026

Can a Compromise Be Reached?

The White House stablecoin talks now center on whether a compromise can be achieved before the end of the month. Industry players appear willing to engage, but key disagreements remain around how rewards programs should be structured.

If finalized, the legislation could reshape how stablecoins operate in the United States. For crypto firms, the outcome may determine whether innovation continues domestically or shifts overseas.

With regulators, banks, and crypto leaders all involved, the coming weeks could define the next phase of U.S. digital asset policy.

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The post Policy Pressure Builds in White House Stablecoin Talks appeared first on CoinoMedia.

Elon Musk expects to pay over $500 billion in taxes in his lifetime.

The statement renews debate over billionaire tax contributions.

Past record-breaking payments show Musk already pays massive sums.

A Massive Tax Prediction

Elon Musk has made headlines again — this time not for rockets or AI, but for taxes. The Tesla and SpaceX CEO said he will likely pay more than $500 billion in taxes by the time he dies.

The statement quickly sparked discussions across social media and financial circles. As one of the world’s wealthiest individuals, Musk’s finances often become part of broader debates around fairness, wealth distribution, and tax reform in the United States.

While it may sound shocking, the prediction reflects the enormous scale of his wealth and business holdings.

How Elon Musk Taxes Already Made History

Elon Musk has already paid record-breaking tax amounts in previous years. In 2021 alone, he reportedly paid over $11 billion in federal taxes after exercising Tesla stock options. That payment was one of the largest individual tax bills in U.S. history.

Much of Elon Musk taxes come from stock sales and option exercises rather than a fixed salary. Like many tech founders, his wealth is largely tied to equity in companies such as Tesla and SpaceX.

When he sells shares or exercises stock options, those gains become taxable events — often leading to enormous tax obligations.

Given his continued involvement in large-scale ventures and potential future stock appreciation, reaching $500 billion in lifetime taxes is mathematically possible over several decades.

JUST IN: Elon Musk says he will likely pay over $500 billion in taxes by the time he dies. pic.twitter.com/Q3iJCzLqGz

— Watcher.Guru (@WatcherGuru) February 20, 2026

Renewed Debate Over Billionaire Taxation

The Elon Musk taxes comment arrives during ongoing discussions about how billionaires are taxed in America. Some lawmakers argue that ultra-wealthy individuals should face higher effective tax rates or wealth taxes. Others counter that entrepreneurs like Musk already contribute heavily through income and capital gains taxes.

Musk has previously criticized proposed wealth taxes, arguing they could discourage innovation and investment. At the same time, his latest statement may be seen as a reminder of the scale of tax revenue generated by successful founders.

Whether symbolic or realistic, the $500 billion projection underscores how central high-profile entrepreneurs have become in America’s tax debate.

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Phemex Completes Full Integration of Ondo Finance Tokenized Equity Suite

The post Billionaire Future: Elon Musk Taxes Could Top $500B appeared first on CoinoMedia.

In the opening months of 2026, a quiet tension is building beneath the surface of the digital asset markets. While the high-profile tokens that defined the previous bull runs are still holding onto their rankings, a massive rotation of capital is beginning to take shape. Crypto traders are starting to look past the hype of meme coins and the slow progress of legacy blockchains. 

They are searching for the next generation of infrastructure that can actually perform under pressure. This shift suggests that the first quarter of 2026 will not be remembered for the recovery of the old giants, but for the rise of a few cheap altcoins that have the technical strength to achieve a 10x breakout.

Cardano (ADA)

Cardano (ADA) remains one of the most talked-about projects in the space, but its price action in early 2026 tells a story of exhaustion. It is currently trading at approximately $0.30, with a market capitalization sitting near $15 billion. 

While the network has always focused on a slow and steady peer-reviewed approach, this academic pace has allowed faster competitors to capture a larger share of the decentralized finance market. The community is still loyal, but the lack of explosive growth in its ecosystem has led many to question if ADA can ever return to its former glory.

From a technical perspective, ADA is struggling to break through heavy resistance zones. The most immediate wall for the price is situated at the $0.55 level, which has acted as a ceiling for several months. If the bulls manage to push past that, a secondary resistance zone at $0.70 is expected to trigger significant selling pressure from long-term holders looking to exit. 

Shiba Inu (SHIB)

Shiba Inu (SHIB) has spent the last few years trying to shed its image as a simple meme coin. It is currently trading at $0.0000069, with a market cap of roughly $4.1 billion. The development of the Shibarium Layer-2 network was supposed to be the catalyst for a massive price rally, but adoption has been slower than many expected. 

While the “SHIB Army” continues to promote the token on social media, the massive circulating supply remains a heavy burden on the price. Even with automated burn mechanisms in place, it takes a staggering amount of volume to move the needle for SHIB.

The price of SHIB is currently trapped in a tight consolidation range. Resistance zones are firmly established at $0.0000085 and $0.000012, levels where the market has repeatedly seen “whale” investors take profits. Because SHIB is highly sensitive to overall market sentiment, it often suffers the most during periods of Bitcoin volatility.

Mutuum Finance (MUTM)

Rising from the shadow of these legacy assets is Mutuum Finance (MUTM), a project that is quickly becoming the primary target for professional capital in 2026. Mutuum is not trying to be a meme or a slow-moving academic experiment. Instead, it is building a high-speed, non-custodial lending hub on the Ethereum network. The goal is to provide a professional environment where users can access credit or earn yield without the high fees and slow speeds of traditional banking.

The MUTM presale is currently the hottest topic in the DeFi sector. The token price is currently set at $0.04, having already jumped from its starting point of $0.01. The project has successfully raised over $20.5 million, drawing in more than 19,000 individual investors. This massive support is a direct result of the protocol’s focus on capital efficiency. 

Unlike ADA or SHIB, Mutuum Finance provides developing utility through its interest-bearing mtTokens and its dual-model lending system. This allows users to put their assets to work instantly, creating a productive ecosystem that generates real value for its holders.

Why MUTM is Positioned to Outperform

Analysts are increasingly convinced that Mutuum Finance will outperform both Cardano and Shiba Inu in the coming months. The main reason is the difference in structural growth potential. Cardano is limited by its slow development cycle, and Shiba Inu is limited by its massive supply and speculative nature. 

Mutuum Finance, however, has a built-in buy-and-distribute model. A portion of the protocol’s fees is used to buy back tokens from the market, which are then given to the community. This creates a cycle of constant buying pressure that neither ADA nor SHIB can replicate.

To understand the potential, we can look at a $900 investment comparison. If you put $900 into ADA or SHIB at their current market caps, they would need billions of dollars in new capital just to double your money. However, because MUTM is still in its early stages with a much smaller market cap, a $900 investment has a much clearer path to becoming $9,000. 

While the older coins are fighting to stay relevant, Mutuum Finance is entering its most explosive growth phase. This makes it a much more attractive choice for those looking for a 10x return in Q1 2026.

Protocol Execution and Verified Security

The technical readiness of Mutuum Finance is another factor driving investor confidence. The team has already launched the V1 protocol on the Sepolia testnet. This is a working environment where users can interact with the lending engine and see the automated risk controls in person. 

The testnet also features a 24-hour leaderboard to track user activity, ensuring the system is ready for the heavy traffic of a full mainnet launch. This level of transparency is exactly what professional investors look for before moving large amounts of capital.

Security is never an afterthought for Mutuum Finance. The protocol has already completed a manual audit by Halborn Security, one of the top firms in the world. They also maintain a high safety score from CertiK, providing multiple layers of verification for the code. 

These steps show that Mutuum is built for the long term. While other projects might rely on hype, Mutuum Finance is relying on verified security and working technology. As the market continues to rotate toward quality, this protocol is standing out as the clear winner for the next phase of the 2026 market.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post Analysts Highlight 3 Cheap Altcoins With 10x Potential for Q1 2026 appeared first on CoinoMedia.

Bitcoin Lightning Network surpasses $1B in monthly transactions.

Rising adoption shows Bitcoin’s growing payment utility.

Layer-2 scaling strengthens Bitcoin’s global use case.

Bitcoin has reached another major adoption milestone. According to River, the network’s Lightning layer has now processed over $1 billion in transactions in a single month.

The Bitcoin Lightning Network $1B Volume achievement highlights how Bitcoin is evolving beyond being just a store of value. While the main Bitcoin blockchain remains highly secure and decentralized, it can experience congestion and higher fees during busy periods. Lightning addresses this challenge by enabling faster and cheaper transactions off-chain.

With this new record, Bitcoin continues to prove it can function efficiently as both digital gold and a practical payment network.

Growing Demand for Faster Transactions

The Bitcoin Lightning Network $1B Volume milestone reflects real-world usage, not just technical development. More users are relying on Lightning for everyday payments, cross-border transfers, and microtransactions.

Lightning transactions settle almost instantly and cost a fraction of traditional on-chain fees. This makes Bitcoin more accessible for small purchases and global remittances. Businesses are also increasingly integrating Lightning into their payment systems, helping drive monthly transaction growth.

Improved wallet interfaces and better infrastructure have made using Bitcoin through Lightning simpler than ever. As adoption spreads, transaction volumes are likely to continue climbing.

NEW: Bitcoin’s Lightning Network has surpassed $1B in monthly transaction volume, according to @River. pic.twitter.com/xdS9PC7c6M

— Cointelegraph (@Cointelegraph) February 20, 2026

Strengthening Bitcoin’s Long-Term Outlook

The Bitcoin Lightning Network $1B Volume record sends a strong message to the broader crypto market. For years, critics questioned whether Bitcoin could scale effectively for global payment demand. Lightning technology demonstrates that scalable solutions can be built without compromising decentralization or security.

This milestone also signals rising confidence among users, developers, and companies building on Bitcoin. As more services adopt Lightning, the network effect strengthens, potentially pushing monthly volumes even higher in the future.

Bitcoin’s growth is no longer limited to price movements. Expanding payment infrastructure shows that real usage is increasing, reinforcing Bitcoin’s position as both a financial asset and a global payment system.

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Bitcoin Unrealized Loss Hits 19% at $67K

The post Major Milestone as Bitcoin Lightning Network Hits $1B appeared first on CoinoMedia.

Paolo Ardoino highlights 94 tonnes moved via XAUT.

Total transaction fees were only 0.0016%.

Shows growing efficiency of tokenized gold.

In a major statement from Tether, CEO Paolo Ardoino revealed that 94 tonnes of XAUT transfers were completed over the past six months. Even more striking, the total cost of those transactions was just 0.0016% in fees.

This development highlights how tokenized gold is reshaping traditional finance. XAUT transfers represent ownership of physical gold held in secure vaults. Instead of transporting heavy bullion across countries, investors can move value instantly through blockchain technology.

In the traditional system, moving such a massive quantity of gold would require logistics, insurance, and security arrangements. Those steps often come with high costs and delays. With blockchain, that entire process becomes significantly faster and cheaper.

Why XAUT Transfers Are Gaining Attention

XAUT transfers give investors exposure to real gold while maintaining the flexibility of digital assets. Each token is backed by physical gold, combining the long-term stability of precious metals with modern transaction speed.

For institutions, transferring 94 tonnes of gold would normally involve major coordination and expense. Through XAUT transfers, the same value can be transferred globally within minutes.

The 0.0016% fee figure stands out. Compared to traditional gold settlement or cross-border banking fees, this cost is minimal. It shows how blockchain infrastructure can handle large-scale asset movement efficiently.

As economic uncertainty continues globally, many investors are turning to gold for protection. Digital versions like XAUT make it easier to access and move that value.

BIG: Tether CEO Paolo Ardoino says 94 tonnes of XAUT moved instantly in the past six months for just 0.0016% in fees. pic.twitter.com/XBr5aBFIgS

— Cointelegraph (@Cointelegraph) February 20, 2026

A Sign of Growing Tokenization

The surge in XAUT transfers reflects a wider trend toward real-world asset tokenization. Gold has always been a trusted store of value, but blockchain is changing how it can be traded and settled.

Paolo Ardoino’s statement signals strong demand for tokenized commodities. If 94 tonnes can move with almost no friction, it suggests institutions are increasingly comfortable using blockchain-based financial tools.

Tokenized gold could become a bridge between traditional markets and digital finance as adoption continues to grow.

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Fed’s Kashkari Calls Crypto Useless, Backs AI

The post Paolo Ardoino: 94 Tonnes in XAUT Transfers appeared first on CoinoMedia.

Binance whale inflows reach the highest level since 2024.

Large investors may be preparing for major market moves.

Stable whale activity prior to the surge suggests sentiment shift.

Binance whale inflows have reached their highest level since 2024, catching the attention of crypto traders and analysts alike. On-chain data shows a sharp increase in large deposits moving into Binance, signaling renewed activity from major investors.

Interestingly, this surge came after a long period of relatively stable whale flows. For months, large holders showed limited movement, keeping transfers to exchanges at moderate levels. The sudden spike has strengthened the view that a shift in major investor sentiment may now be underway.

When whales — typically defined as wallets holding significant amounts of cryptocurrency — move funds to exchanges, it often suggests preparation for trading activity. This can include selling to lock in profits, repositioning portfolios, or hedging against potential volatility.

What This Means for the Market

A rise in Binance whale inflows does not automatically mean a price drop is coming. However, historically, increased exchange inflows from large holders can signal higher short-term volatility.

The timing of the move is particularly important. Market conditions have recently shown mixed signals, with investors weighing macroeconomic factors and crypto-specific developments. The sharp uptick in Binance whale inflows suggests that large investors may be preparing for a decisive move.

“It is also noteworthy that this surge followed a period of relatively stable whale flows, reinforcing the hypothesis of a shift in major investor sentiment.”

This pattern could indicate that whales are reassessing their positions after months of consolidation. Whether this leads to selling pressure or strategic accumulation remains to be seen.

Whale Inflows to Binance Hit Highest Level Since 2024

“It is also noteworthy that this surge followed a period of relatively stable whale flows, reinforcing the hypothesis of a shift in major investor sentiment.” – By @ArabxChain pic.twitter.com/xtDeCmsrVG

— CryptoQuant.com (@cryptoquant_com) February 20, 2026

A Sentiment Shift in Motion?

Market psychology plays a critical role in crypto price action. When large investors change behavior, smaller traders often follow. The recent Binance whale inflows could therefore act as an early indicator of broader market momentum.

Traders will now closely monitor exchange balances, derivatives activity, and price reactions in the coming days. If volatility increases, it could confirm that this wave of whale activity marks the beginning of a new market phase.

For now, one thing is clear: Binance whale inflows are back in focus — and the market is watching closely.

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The post Major Investors Return as Binance Whale Inflows Surge appeared first on CoinoMedia.

Bitcoin unrealized loss at $67K equals 19% of market cap.

Current structure mirrors May 2022 market stress.

On-chain data suggests rising investor pressure.

Recent on-chain data from Glassnode shows that Bitcoin unrealized loss at the $67,000 level has reached nearly 19% of the total market capitalization. This level closely mirrors the pain structure seen in May 2022, when the market experienced heavy capitulation and extreme fear.

Unrealized loss refers to the total value of coins currently held at a loss compared to their purchase price. In simple terms, it measures how much paper loss investors are sitting on without actually selling. When this metric rises sharply, it often reflects stress building across the market.

Historically, similar spikes in Bitcoin unrealized loss have appeared during late-stage corrections. In May 2022, the market faced cascading liquidations, panic selling, and tightening macro conditions. The current structure suggests a comparable level of financial strain among holders.

NOW: The unrealized loss at $67k equals roughly 19% of Bitcoin's market cap, mirroring pain structure from May 2022 per Glassnode. pic.twitter.com/1emp1Vu3a1

— Cointelegraph (@Cointelegraph) February 20, 2026

Echoes of the 2022 Capitulation Phase

Back in May 2022, Bitcoin experienced one of its most painful corrections of the cycle. A surge in Bitcoin unrealized loss signaled that a large portion of the supply was underwater. That period ultimately led to forced selling and deeper price declines before a bottom formed.

The present data shows a similar pattern forming. While the broader market environment today is different, the structure of losses relative to market cap is strikingly similar. When nearly one-fifth of Bitcoin’s market value reflects unrealized losses, sentiment often turns cautious.

However, such phases have historically also marked late correction stages. Extreme unrealized loss levels can indicate that weaker hands have already absorbed much of the pain.

What This Means for Investors

For long-term holders, rising Bitcoin unrealized loss does not automatically signal a crash. Instead, it highlights elevated stress within the system. If history offers any clues, periods of high unrealized losses tend to precede either deeper capitulation or the early stages of recovery.

Market participants are now closely watching on-chain indicators for signs of stabilization. If selling pressure remains contained, Bitcoin could consolidate before its next major move. If losses expand further, volatility may intensify.

The coming weeks will reveal whether this 19% threshold becomes a turning point or another step in a prolonged correction cycle.

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The post Bitcoin Unrealized Loss Hits 19% at $67K appeared first on CoinoMedia.

Kashkari crypto comments dismiss digital assets as “utterly useless.”

Stablecoin arguments labeled “buzzword salad” at economic summit.

AI highlighted as more impactful than blockchain innovation.

Neel Kashkari, President of the Federal Reserve Bank of Minneapolis, stirred controversy this week with strong remarks about the digital asset industry. Speaking at the Midwest Economic Outlook Summit, he described crypto as “utterly useless” when compared to artificial intelligence.

Kashkari crypto comments quickly spread across financial and blockchain communities. His remarks suggested that despite years of development and hype, digital assets have yet to demonstrate meaningful real-world value at scale.

While he acknowledged the growing interest in emerging technologies, he made it clear that he sees far greater potential in AI than in blockchain-based systems.

Stablecoins Face Harsh Words

A major part of Kashkari crypto comments focused on stablecoins. Supporters often argue that dollar-pegged digital tokens can improve payments, increase financial inclusion, and modernize settlement systems.

However, Kashkari dismissed these arguments as “buzzword salad.” In his view, simply placing the dollar on a blockchain does not automatically create innovation or solve structural issues in the financial system.

His skepticism aligns with a broader cautious stance among some policymakers who question whether stablecoins truly add value beyond existing digital banking infrastructure.

NEW: Fed's Kashkari calls crypto "utterly useless" compared to AI, dismissing pro-stablecoin arguments as "buzzword salad" at the Midwest Economic Outlook summit. pic.twitter.com/oNsc3UE6q3

— Cointelegraph (@Cointelegraph) February 20, 2026

AI vs Blockchain: The Bigger Opportunity

Kashkari drew a clear contrast between crypto and artificial intelligence. He described AI as a transformative technology with visible, practical applications already improving productivity across industries.

By comparison, he suggested that blockchain technology has struggled to deliver comparable breakthroughs outside of speculative trading.

The Kashkari crypto comments are likely to intensify debate between regulators, developers, and investors. As policymakers continue shaping crypto legislation in the United States, such strong opinions from Federal Reserve officials could influence how digital assets are regulated moving forward.

Whether the market agrees or not, his remarks highlight a growing divide between traditional financial authorities and the crypto sector.

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The post Fed’s Kashkari Calls Crypto Useless, Backs AI appeared first on CoinoMedia.

More than $730 billion erased in just 100 days.

Rapid investor pullback signals strong capital outflows.

Market sentiment remains fragile amid economic pressure.

The digital asset space has faced many corrections, but the latest decline stands out for its speed and scale. In just 100 days, more than $730 billion has vanished from total market value. This sharp drop reflects intense selling pressure and a dramatic shift in investor behavior.

Such a rapid decline is not simply a routine market pullback. It highlights what many analysts describe as crypto market capital flight — a period where investors quickly move funds away from risk-heavy assets. This type of movement creates a ripple effect across exchanges, decentralized finance platforms, and blockchain-based projects.

Why Investors Are Pulling Back

Several factors are contributing to the ongoing contraction. Global economic uncertainty, tighter monetary policies, and reduced liquidity have made high-risk investments less attractive. Cryptocurrencies, often viewed as speculative assets, are usually among the first to experience heavy selling when confidence weakens.

At the same time, institutional players are becoming more cautious. Many funds that previously allocated capital to digital assets are reducing exposure. Retail investors are also stepping back, waiting for clearer signs of stability before re-entering the market.

This wave of selling has deepened crypto market capital flight, accelerating losses and increasing volatility. As prices fall, fear spreads, pushing more participants to exit positions and preserve remaining capital.

100 Days in the Red

“In just 100 days, the crypto market has erased more than $730 billion in value. What we are witnessing is an unprecedented short-term capital flight, deepening the contraction of the crypto economy.” – By @GugaOnChain pic.twitter.com/SaSUGUBBgu

— CryptoQuant.com (@cryptoquant_com) February 20, 2026

What Comes Next for Digital Assets?

While the short-term outlook remains uncertain, history shows that downturns often reset market conditions. Corrections can remove weak projects, encourage stronger risk management, and create opportunities for long-term builders.

However, the scale of this 100-day contraction suggests that recovery may take time. Confidence must rebuild, liquidity needs to return, and macroeconomic pressures must ease before momentum shifts again.

For now, crypto market capital flight remains the dominant theme. Investors are watching closely, searching for signs of stabilization that could mark the end of this intense chapter.

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US spot ETFs saw a 100,300 BTC balance decline.

It marks the largest cycle drawdown since October’s peak.

Institutional de-risking is driving the outflows.

The US market is witnessing its biggest Bitcoin ETF drawdown since Bitcoin’s October all-time high (ATH). According to on-chain analytics firm Glassnode, US spot Bitcoin ETF balances have dropped by approximately 100,300 BTC in the latest cycle correction.

This sharp reduction reflects a wave of institutional de-risking as investors adjust their exposure following months of strong price performance. During bullish cycles, ETFs typically accumulate large amounts of Bitcoin as capital flows in. However, when sentiment cools or macroeconomic uncertainty rises, these funds often see sizable outflows.

The latest data shows that the current drawdown is the most significant since Bitcoin reached its October peak, highlighting a notable shift in institutional behavior.

What’s Driving the ETF Outflows?

Several factors may be contributing to this Bitcoin ETF drawdown. After reaching record highs, many institutional investors are locking in profits. Portfolio rebalancing at the end of major price rallies is common, particularly among hedge funds and asset managers managing risk exposure.

In addition, broader financial market uncertainty and shifting interest rate expectations may be encouraging institutions to reduce risk-heavy assets, including cryptocurrencies. Spot Bitcoin ETFs have made crypto exposure easier and more regulated, but they also allow institutions to exit positions just as quickly.

Importantly, ETF outflows do not necessarily indicate long-term bearish sentiment. Instead, they often signal short-term positioning changes. Historically, similar drawdowns have occurred during consolidation phases before the market regained momentum.

LATEST: US Spot Bitcoin ETF balances see largest cycle drawdown of ~100.3k BTC since October ATH amid institutional de-risking per Glassnode. pic.twitter.com/EVVwTMhdQD

— Cointelegraph (@Cointelegraph) February 20, 2026

Market Impact and What Comes Next

The current Bitcoin ETF drawdown of over 100K BTC is significant in scale, but it remains part of a broader market cycle. Institutional flows play a major role in price stability, and sudden outflows can increase short-term volatility.

However, long-term demand for regulated Bitcoin exposure remains strong. Spot ETFs continue to serve as a gateway for traditional finance participants. If macro conditions stabilize and investor confidence returns, inflows could resume just as quickly as they slowed.

For now, the data suggests caution rather than panic. Institutional de-risking is a natural phase within market cycles. As history shows, corrections often lay the groundwork for the next leg higher.

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The post Institutions Trim Holdings as Bitcoin ETF Drawdown Hits 100K BTC appeared first on CoinoMedia.

Changpeng Zhao crypto summit visit marks return to U.S.

Event hosted by Trump-backed World Liberty Financial.

Top finance, crypto, and political leaders attended.

The crypto world was watching closely as Changpeng Zhao crypto summit headlines emerged this week. According to reports from The Wall Street Journal, the Binance founder returned to the United States for the first time since his 2024 release. His visit centered on a major industry gathering held at Mar-a-Lago in February 2026.

Changpeng Zhao, widely known as CZ, attended a crypto summit organized by World Liberty Financial. The event took place at Mar-a-Lago, the Florida estate owned by Donald Trump.

After the event, Zhao shared on X that he “learned a lot,” signaling a positive and reflective tone about his experience. His appearance quickly became one of the most discussed moments in crypto circles.

Big Names from Finance and Politics

The Changpeng Zhao crypto summit was not a small gathering. It drew major figures from finance, politics, and entertainment. Among those present were Eric Trump and Donald Trump Jr., both of whom reportedly interacted with Zhao during the event.

Other high-profile attendees included David Solomon, CEO of Goldman Sachs, and Lynn Martin of the New York Stock Exchange.

The crypto sector was also strongly represented. Brian Armstrong, founder of Coinbase, joined the summit. Investor Kevin O’Leary and Senator Bernie Moreno were also among the guests. Even music star Nicki Minaj made an appearance, adding celebrity attention to the gathering.

According to The Wall Street Journal, pardoned Binance founder Changpeng Zhao returned to the U.S. for the first time since his 2024 release, attending a crypto summit hosted by Trump family–backed World Liberty Financial at Mar-a-Lago in February 2026. Zhao interacted with Eric…

— Wu Blockchain (@WuBlockchain) February 20, 2026

What This Means for Crypto

The Changpeng Zhao crypto summit moment signals a broader shift in how crypto leaders are re-engaging with U.S. institutions. Zhao’s presence at such a high-level event suggests renewed dialogue between digital asset executives and influential political and financial figures.

The involvement of World Liberty Financial also highlights growing ties between crypto initiatives and political networks. With Wall Street executives, exchange leaders, lawmakers, and public figures in one room, the summit showed that digital assets are increasingly part of mainstream financial discussions.

For Binance and Zhao, the visit may represent a strategic step toward rebuilding relationships in the United States. For the wider industry, it underscores how crypto is becoming intertwined with both policy and global finance conversations.

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The post Binance Founder Returns at Trump Crypto Event appeared first on CoinoMedia.

Bitcoin small wallets hit a 15-month high in accumulation.

Mid-tier wallets fall to a 38-month low, signaling distribution.

Retail investors show growing confidence despite market volatility.

Recent on-chain data from Santiment shows a clear change in Bitcoin holder behavior. Bitcoin small wallets, defined as addresses holding between 0.1 and 1 BTC, have reached a 15-month high. Since the October all-time high (ATH), these wallets have increased their holdings by 1.05%.

This steady accumulation suggests that retail investors are slowly buying more Bitcoin, even during uncertain market conditions. Instead of panic selling, smaller holders appear to be taking advantage of price dips. Historically, rising activity among smaller wallets often reflects growing grassroots confidence in the long-term value of Bitcoin.

Mid-Tier Holders Reduce Exposure

While smaller wallets are growing, the story is different for mid-tier holders. Wallets holding between 1 and 10 BTC have dropped to a 38-month low. This indicates that some mid-sized investors may be reducing their exposure or redistributing funds.

There are several possible reasons for this trend. Some investors may be taking profits after Bitcoin’s strong performance earlier in the cycle. Others could be reallocating funds into alternative crypto assets or different investment opportunities. In some cases, mid-tier wallets may even be splitting their holdings into smaller addresses for security or privacy reasons.

This divergence between Bitcoin small wallets and mid-tier wallets highlights a shifting balance in the market. Retail investors are becoming more active, while certain larger participants appear cautious.

UPDATE: Bitcoin small wallets (0.1-1 BTC) hit 15-month high with +1.05% accumulation since October ATH, while mid-tier wallets (1-10 BTC) sit at 38-month low, per Santiment. pic.twitter.com/XvPcsKtvbQ

— Cointelegraph (@Cointelegraph) February 20, 2026

What This Means for the Market

The rise in Bitcoin small wallets can be seen as a positive signal for long-term adoption. When retail investors accumulate, it often strengthens the network’s decentralization and reduces supply available on exchanges.

At the same time, the drop in mid-tier wallets adds complexity to the market outlook. If distribution continues, it could slow upward momentum in the short term. However, if smaller investors maintain steady buying pressure, it may help support price stability.

Overall, the data suggests a market in transition. Bitcoin small wallets are showing resilience and confidence, while mid-tier holders reassess their strategies. Traders and investors will be watching closely to see which trend dominates in the coming months.

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The post Retail Investors Boost Bitcoin Small Wallets appeared first on CoinoMedia.

Bitcoin and Ethereum ETFs recorded major net outflows.

Solana and XRP ETFs attracted fresh capital.

Investors appear to be rotating funds within crypto ETFs.

On February 19, the latest ETF Flows data showed a clear split in investor sentiment across major crypto assets. While Bitcoin and Ethereum experienced notable capital outflows, Solana and XRP saw positive momentum.

Spot Bitcoin ETFs recorded a net outflow of $165.8 million. Meanwhile, spot Ethereum ETFs followed the same path, with $130.1 million leaving the market. These numbers suggest that some investors are reducing exposure to the two largest cryptocurrencies, possibly due to short-term price volatility or profit-taking strategies.

In contrast, spot Solana ETFs attracted $5.94 million in net inflows. XRP ETFs also performed positively, bringing in $4.05 million. Although the inflow amounts are smaller compared to Bitcoin and Ethereum outflows, they signal growing interest in alternative crypto assets.

Capital Rotation Signals Changing Sentiment

The recent ETF Flows pattern points to a potential shift in investor strategy. Instead of exiting crypto entirely, capital appears to be rotating into selected altcoins.

Bitcoin and Ethereum often act as market leaders. When they experience heavy outflows, it can reflect cautious sentiment among institutional investors. However, inflows into Solana and XRP suggest that some market participants are looking for new growth opportunities beyond the traditional leaders.

This type of capital movement is common in dynamic markets. Investors may believe that smaller-cap assets could offer stronger short-term upside, especially if Bitcoin and Ethereum prices consolidate.

ETF FLOWS: SOL and XRP spot ETFs saw net inflows on Feb. 19, while BTC and ETH spot ETFs saw net outflows.

BTC: – $165.8M
ETH: – $130.1M
SOL: $5.94M
XRP: $4.05M pic.twitter.com/h4p615vrvX

— Cointelegraph (@Cointelegraph) February 20, 2026

What This Means for the Crypto Market

Mixed ETF Flows can create short-term volatility. Large outflows from Bitcoin and Ethereum may pressure prices if the trend continues. On the other hand, steady inflows into Solana and XRP could support price stability or even spark momentum in those assets.

Overall, the February 19 data highlights how quickly sentiment can shift in the crypto ETF space. Investors are actively adjusting positions based on market conditions, performance expectations, and risk appetite.

As ETF Flows continue to evolve, they remain an important indicator of institutional confidence and broader crypto market direction.

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The post ETF Flows Show BTC, ETH Outflows, SOL Gains appeared first on CoinoMedia.

Quantum computing threatens current Bitcoin cryptography.

Upgrading Bitcoin requires global coordination and consensus.

Technical, economic, and governance hurdles make change complex.

The idea of a Bitcoin Quantum Upgrade is no longer science fiction. As quantum computing continues to develop, experts warn that today’s encryption methods could eventually become vulnerable. Bitcoin relies on cryptographic signatures to protect wallets and verify transactions. If powerful quantum machines mature, they could potentially break these signatures and expose funds.

According to insights shared by experts including Capriole Investments, the upgrade to quantum-resistant security may become the biggest challenge in Bitcoin’s history. But changing Bitcoin is never simple.

Six Major Obstacles Ahead

1. Technical Complexity

Upgrading Bitcoin’s cryptography means replacing core security mechanisms. This is not just a software patch—it’s a fundamental shift in how the protocol works. Testing and proving new quantum-resistant algorithms would take years.

2. Network Consensus

Bitcoin has no central authority. Any major change requires agreement from miners, node operators, developers, and users. Achieving broad consensus for a Bitcoin Quantum Upgrade could be extremely difficult.

3. Backward Compatibility

Millions of wallets and addresses are already in use. Ensuring old funds remain secure without breaking the system presents a serious challenge.

4. Economic Risks

Uncertainty around an upgrade could shake market confidence. Investors may worry about fund safety during the transition period.

5. Migration of Funds

Users would likely need to move their Bitcoin to new quantum-safe addresses. Coordinating this at a global scale would be a massive logistical effort.

6. Time Pressure

The biggest question is timing. If quantum computing advances faster than expected, Bitcoin may have limited time to act. But upgrading too early could introduce unnecessary risks.

https://twitter.com/Cointelegraph/status/2024695578400084222

Why It Matters More Than Ever

A Bitcoin Quantum Upgrade is about long-term survival. While quantum computers capable of breaking Bitcoin do not yet exist, preparation is critical. The challenge is balancing innovation with Bitcoin’s core values: decentralization, security, and stability.

If successful, the upgrade would prove Bitcoin can adapt even to technological revolutions. If delayed or poorly executed, it could test trust in the network.

The road ahead is complex—but Bitcoin has overcome major challenges before. Whether it can navigate the quantum era may define its next chapter.

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Ethereum FOCIL EIP-8141 target faster transaction inclusion.

The upgrade strengthens censorship resistance onchain.

Smart accounts and privacy protocols stand to benefit most.

Vitalik Buterin has revealed new details about how Ethereum FOCIL EIP-8141 could reshape how transactions are processed on the network. According to him, combining these two upgrades would allow transactions from smart accounts and privacy protocols to be included quickly and with strong protection against censorship.

His message was clear: Ethereum is “going hard.” The network is not just improving speed, but also reinforcing its core principle of decentralization.

Ethereum has long focused on making transactions reliable and secure. However, as decentralized finance (DeFi), privacy tools, and smart contract wallets grow, the need for guaranteed transaction inclusion has become more urgent. This is where Ethereum FOCIL EIP-8141 comes into play.

Why Transaction Inclusion Matters

In simple terms, transaction inclusion means making sure a user’s transaction gets added to a block without unfair delays or filtering. On some networks, transactions can be censored or deprioritized due to external pressure or validator decisions.

Ethereum FOCIL EIP-8141 aims to reduce that risk. By improving how transactions are handled at the protocol level, the system makes it harder for validators or block builders to ignore certain transactions.

This is especially important for privacy protocols. These applications often use advanced cryptography, and their transactions can look different from regular transfers. Without strong inclusion guarantees, such transactions might face delays. With Ethereum FOCIL EIP-8141, the network strengthens its commitment to neutrality.

Smart accounts also benefit. These programmable wallets rely on more complex transaction logic. Faster and fair inclusion ensures a smoother user experience, which is essential if Ethereum wants to attract mainstream adoption.

NEW: Vitalik Buterin says FOCIL and EIP-8141 together enable fast, censorship-resistant transaction inclusion for smart accounts and privacy protocols directly onchain.

"Ethereum is going hard." pic.twitter.com/Eq8ZGGFxfi

— Cointelegraph (@Cointelegraph) February 20, 2026

Ethereum’s Bigger Vision

Ethereum’s roadmap has always centered on scalability, security, and decentralization. Ethereum FOCIL EIP-8141 fits directly into that long-term vision. Instead of relying on offchain fixes or centralized actors, the network is embedding stronger guarantees directly into its base layer.

This approach reinforces Ethereum’s identity as a censorship-resistant settlement layer. It also signals that the network is preparing for a future where privacy tools and smart contract wallets become standard.

With growing global scrutiny around crypto regulation, strengthening onchain guarantees could be a decisive move. Ethereum FOCIL EIP-8141 shows that the protocol is evolving not just to handle more users, but to protect them as well.

Ethereum may already be the leading smart contract platform, but upgrades like this show it is still pushing forward aggressively.

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CEO denies anonymous claims and defends strategy transparency.

Options trading used to lower Bitcoin acquisition costs.

September Bitcoin purchases followed a systematic plan.

The Metaplanet Bitcoin Strategy has come under scrutiny following anonymous allegations questioning the company’s recent financial moves. In response, CEO Simon Gerovich publicly addressed the concerns, emphasizing that all actions were disclosed in a timely and transparent manner.

According to Gerovich, rising market volatility over the past six months prompted Metaplanet to adjust how it allocates capital. Rather than simply holding assets, the company shifted part of its funds into yield-generating strategies. These included selling put options and spreads — approaches designed to generate income while positioning the company to acquire Bitcoin at more favorable prices.

He stressed that these activities were never speculative bets on rapid price increases. Instead, they were structured financial tools aimed at reducing the overall cost basis of Bitcoin purchases.

Structured Accumulation, Not Market Timing

A key part of the Metaplanet Bitcoin Strategy is disciplined accumulation. In September alone, the company completed four Bitcoin purchases. Gerovich clarified that these acquisitions were fully disclosed and followed a systematic approach rather than attempts to time the market.

This steady accumulation model reflects a long-term belief in Bitcoin’s value proposition. Instead of reacting emotionally to price swings, the company maintains a structured plan that balances risk management with opportunity.

By combining yield strategies with scheduled purchases, Metaplanet aims to strengthen its Bitcoin reserves while maintaining financial flexibility. The CEO highlighted that every trade and acquisition aligns with internal policy and regulatory requirements.

Metaplanet CEO Simon Gerovich publicly responded to anonymous allegations, stating that over the past six months, rising volatility led the company to shift more capital into yield strategies, profiting from selling put options and spreads, with part used for long-term Bitcoin…

— Wu Blockchain (@WuBlockchain) February 20, 2026

Lowering Costs Through Options Strategy

The use of options is often misunderstood. In this case, Gerovich explained that selling put options allows the company to potentially buy Bitcoin at lower effective prices. If options expire without being exercised, the company keeps the premium — generating additional income.

This strategy reduces average acquisition costs over time. It does not depend on aggressive bullish predictions but instead uses volatility to the company’s advantage.

Overall, the Metaplanet Bitcoin Strategy combines transparency, disciplined accumulation, and calculated financial tools. As volatility continues in crypto markets, the company maintains that its approach remains long-term focused and fully disclosed.

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CZ believes crypto bailout is not needed in the industry.

Crypto markets operate without government rescue packages.

Self-custody and decentralization make the system resilient.

Changpeng Zhao, widely known as CZ, recently stated that the crypto industry never needed a bailout and never will. His comment has sparked fresh debate about how digital assets differ from traditional finance.

Unlike banks and major corporations, crypto companies are not backed by governments. When traditional financial institutions collapse, they often rely on taxpayer-funded rescue packages. In contrast, the crypto ecosystem is designed to operate independently. This independence is at the heart of CZ’s statement.

Market Cycles and Natural Corrections

The crypto market has experienced several major downturns. From exchange collapses to sharp price crashes, the industry has faced serious challenges. Yet, instead of government intervention, the market has typically corrected itself.

This self-correcting nature is largely driven by transparency on public blockchains and the principle of personal responsibility. Investors quickly move away from weak projects and support stronger, more transparent ones. While painful, these corrections help build a more stable foundation over time.

A crypto bailout would go against the very idea of decentralization. Many supporters argue that if governments step in to rescue failing projects, it would create moral hazard—encouraging risky behavior without consequences.

CZ: “Crypto never needed a bailout, never will.” pic.twitter.com/CdBTWRQqhl

— Cointelegraph (@Cointelegraph) February 20, 2026

Decentralization as the Safety Net

Crypto was created after the 2008 financial crisis as an alternative to a system that required massive bailouts. The first cryptocurrency, Bitcoin, introduced a peer-to-peer system where users control their own funds without intermediaries.

This structure reduces systemic risk in one important way: there is no central authority whose failure can collapse the entire network. Even if one exchange fails, the broader blockchain continues to operate.

CZ’s comment reflects a broader belief among crypto supporters that resilience comes from decentralization, transparency, and user control—not government intervention.

As the industry continues to grow, debates about regulation and safety will continue. However, the idea that crypto bailout measures are unnecessary highlights a core difference between digital assets and traditional finance.

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For a long time, the same few names have controlled the top of the charts, but that energy is starting to shift. While the most famous coins are stuck in a cycle of small movements, a fresh wave of technology is quietly building a new foundation for the future of money. This shift suggests that the next big crypto breakthrough might not come from a name everyone already knows. Instead, it is likely to come from a project that is just starting its journey and proving its value through real action.

Binance Coin (BNB)

Binance Coin (BNB) is currently the fourth largest digital asset in the world, trading at approximately $600 with a market capitalization of around $85 billion. As the primary utility token for the largest exchange on the planet, it has a massive user base and a very strong reputation. 

However, the price has recently entered a consolidation phase, meaning it is moving sideways without making any big jumps. BNB is currently facing a heavy resistance zone at $620. Every time the price gets close to this level, it is pushed back down by sellers, showing that the market is not yet ready for a new all-time high.

Analysts are currently giving BNB a price prediction that is not very attractive for those looking for fast growth. Many experts expect the coin to see only a 15% to 20% increase over the next twelve months, potentially reaching $700 by early 2027. 

While this represents a safe and stable choice, it is a sign that the biggest gains for this asset might already be in the past. For investors who are searching for more dynamic energy, the focus is turning toward newer platforms that have the space to grow much faster than an $85 billion giant.

Mutuum Finance (MUTM)

As major coins like BNB take a break, Mutuum Finance (MUTM) is working hard to build a professional lending and borrowing hub. The goal of the project is to create a system where anyone can access financial services without needing a bank or a middleman. 

It uses a dual-market design that offers pooled liquidity for instant loans and a peer-to-peer marketplace for custom agreements. This setup makes the entire process faster and more transparent, allowing users to stay in full control of their digital assets at all times.

A major milestone for the project was confirmed in an official statement on X recently. The team announced that the V1 protocol is now live on the Sepolia testnet. This is a very important step because it shows that Mutuum is no longer just a concept on paper. 

Users can now enter the test environment to supply assets, earn interest through interest-bearing receipts, and see how the automated systems manage risk. By launching a working version of the app before the main release, the team is proving they can deliver on their promises.

Presale Momentum and Community Rewards

The Mutuum Finance presale is currently one of the most successful events of the year. It has already raised over $20.6 million from a global community of more than 19,500 individual holders. The project follows a structured growth path that has already seen the price rise by 300% since Phase 1. 

The token started at just $0.01 and has climbed to the current Phase 7 price of $0.04. With a confirmed launch price of $0.06, the current participants are still able to secure their spot at a significant discount before the token hits public exchanges.

To keep the momentum high, the platform features a 24-hour leaderboard that rewards the top daily contributor with a $500 bonus in MUTM tokens. This makes the presale competitive and keeps the community active every single day. 

Joining the ecosystem is also very simple, as Mutuum Finance supports direct card payments and native MUTM payments. By removing the technical barriers that often stop people from participating, the project has managed to sell through nearly half of its 1.82 billion presale tokens in record time.

Stablecoins, Oracles and Professional Security

Looking toward the future, Mutuum Finance has bold roadmap plans to launch its own over-collateralized stablecoin and integrate advanced oracles. These tools are crucial for a healthy lending market because they provide stable value and accurate price data. 

The team is also planning to build a Layer-2 network to make transactions even faster and much cheaper. These additions will turn Mutuum from a simple lending protocol into a complete financial city that can handle thousands of users at once.

Security is the top crypto priority for the project as it moves toward its final launch. Mutuum has successfully passed a full manual audit by Halborn Security, one of the most respected firms in the world. 

These professional standards ensure that the protocol is safe for everyone. As Phase 7 quickly sells out, the combination of top-tier security and advanced technology is making MUTM a primary destination for the capital rotating out of stagnant major assets.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://www.mutuum.com

Linktree: https://linktr.ee/mutuumfinance

The post While Binance Coin (BNB) Consolidates, This New Crypto Hits 300% Growth appeared first on CoinoMedia.